A home is one of the biggest investments most people make. In order to protect this important asset, you will need to have a comprehensive homeowner's policy. A Fort Lauderdale FL insurance broker can ensure you have the coverage you need.
When you purchase your policy, you should clearly understand what it does and does not cover. Coverage includes your main residence and any other structures located on the acreage you own. In the event of fire, theft, and severe storms, you will be reimbursed for any personal property that was damaged or destroyed. A standard policy does not include flood insurance.
If you have to leave your home while it is being repaired because of structural damage, your policy will pay for the cost of renting accommodations and out of pocket expenses. Read your policy to see how long it will cover this and if there is a monetary cap on what the company will reimburse you.
Fort Lauderdale homeowners can purchase additional coverage for especially valuable items, such as heirlooms or musical instruments.
If someone is injured on your property and has to go to the hospital or be placed under a doctor's care, your coverage will pay the costs associated with that. Again you should consult your actual policy for specifics.
Individuals who own condominiums and town homes can also get a homeowner's policy with the same level of coverage as that of a person living in a single family home. It will cover any personal property damage and interior structural damage not covered by the homeowner's association fees.
If you own rental property, you should have a standard policy covering the structure you own. Renters are responsible for protecting their personal belongings.
Florida does not require homeowners to have coverage, but it should be considered a vital part of your monthly house payment. Unexpected disasters can put you in jeopardy without the protection a homeowner's policy provides.
When you purchase your policy, you should clearly understand what it does and does not cover. Coverage includes your main residence and any other structures located on the acreage you own. In the event of fire, theft, and severe storms, you will be reimbursed for any personal property that was damaged or destroyed. A standard policy does not include flood insurance.
If you have to leave your home while it is being repaired because of structural damage, your policy will pay for the cost of renting accommodations and out of pocket expenses. Read your policy to see how long it will cover this and if there is a monetary cap on what the company will reimburse you.
Fort Lauderdale homeowners can purchase additional coverage for especially valuable items, such as heirlooms or musical instruments.
If someone is injured on your property and has to go to the hospital or be placed under a doctor's care, your coverage will pay the costs associated with that. Again you should consult your actual policy for specifics.
Individuals who own condominiums and town homes can also get a homeowner's policy with the same level of coverage as that of a person living in a single family home. It will cover any personal property damage and interior structural damage not covered by the homeowner's association fees.
If you own rental property, you should have a standard policy covering the structure you own. Renters are responsible for protecting their personal belongings.
Florida does not require homeowners to have coverage, but it should be considered a vital part of your monthly house payment. Unexpected disasters can put you in jeopardy without the protection a homeowner's policy provides.
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